[ShiftingG82]

I need help with deciding between these two. Would like any input or past experience.

I want to get to M4 G82. How I would like it the website told me MSRP as Built: $82,195. I have read that the dealer gives you incentives and discounts so let just say I end up with 80k after the taxes and fees. I put 10k down on both options.

Lease: ~$690 a month, 42 months term, 10,000 miles a year.

BMW Select: ~$660 a month, 60 months term, at a 1.9% APR.

No matter the option I plan to keep the car for the long term 7+ years.

I heard that I could lease the car for 42 months which would be with no interest for these 42 months that I'm paying for my future keeper car. What is the down side for this option for me?

I have not heard anything regarding BMW Select. I even search on the forum and hardly any clear information. From what I read on BMW website I'll financing 50% of the car and at month 60, I'll pay the Ballon amount of 31k. But they said I could finance the ballon amount if I don't have 31k at the moment. Can anyone tell me what are the downsides of this option?

This will be for a 2021 M4 6 speed manual that I will DD.